I think of erc-20 and defi altogether as just a study group, not really something I am studying either. They are engaged in a very diluted theory of monetary policy but have basically made Microsoft Points that you have to pay to use?

A technical token isn't even a new thing, casinos have done this for years trying to game the system for profits beyond what is gambled away in them.

The reason these centrality bankers don't like BTC, ETH, Hive or Zcash is because they don't really have a good use case for "money" as a service, because money is utility when its on a blockchain.